UniPay Gateway Payment Advice

3D Secure ProgramIn order to protect themselves from card fraud, which is more frequent in online transactions, than in retail ones, businesses need to implement special fraud protection tools. 3D Secure program is one of the special tools designed to prevent online card fraud.
3D Secure is an XML protocol, which creates another level of security when online transactions are processed. If a cardholder wants to use 3D Secure, the bank which issued...Read more…

PINless Debit Card NetworksIntegration with PINless debit card networks has several advantages over integrations with regular card networks maintained by Visa and MasterCard.
The first advantage is that there is no concept of chargebacks in PINless debit card networks. If the money is charged, the charge cannot be reversed. It means that merchants, whose chargeback rates are high, are interested in integrating with PINless debit card networks. By doing that they decrease their chargeback...Read more…

Read and Connection Timeout HandlingSometimes transaction processing can become problematic or even impossible due to loss of connection between merchant’s system and the processor’s (or bank’s) server (so-called timeouts), or due to some other errors.
Timeouts, in their turn are caused either by connectivity problems or by the fact that, although a transaction is submitted and, possibly, approved, the response from the processor does not get through. The first type of timeouts is referred to...Read more…

PCI complianceAny business wanting to process credit cards needs to handle card data. Recent development of payment card industry was followed by growing risks of credit card fraud of different sorts and identity theft. In order to protect cardholder data from being stolen or compromised, the so-called PCI compliance requirements were introduced. In order to comply with the requirements, a business needs to go through regular PCI audit procedure.
Depending on transaction...Read more…

4 Cs of Recurring BillingBefore implementing a specific recurring billing solution, a business must address each of the separate aspects, related to recurring payment platform implementation. Four key aspects to be taken care of are sometimes referred to as creation, compliance, conveyance and collections.
Particular important issues associated with creation component of the recurring billing process include types of subscriptions, payment plans and payment methods used by customers, as well as security of payment pages...Read more…

Merchant Fraud Protection Tools SummaryWhile merchants are constantly facing the risk of consumer fraud, every payment service provider with many merchants in his portfolio is exposed to the threat of merchant fraud. As payment service providers bear financial liability for merchants in their portfolios, merchant fraud can result in substantial financial losses. In order to avoid such losses, PSPs need to utilize merchant fraud protection tools.
The majority of merchant fraud protection tools are based...Read more…

Hosted, Licensed and In-house Payment GatewayAs the number and percentage of online payments is rapidly growing, companies need to review their approaches to online payment processing. If a company wants to become a payment service provider, it needs to establish relationships with merchants (future customers), payment gateways, and banks.
When it comes to relationship with a payment gateway services provider, a company must decide, which payment gateway solution it should implement in order to get the...Read more…

3 Cs for Payment Service ProvidersDue to expansion of merchant services industry we are witnessing nowadays, many businesses involved in payment card industry (credit card processing) in this or that way, face the temptation of switching to payment service provider operation mode, in order to increase their revenues.
To become a payment service provider it is not sufficient for a company to acquire as many potential clients (merchants) as it can. In order for the future...Read more…

Recurring Billing Systems SummaryNowadays it becomes more and more evident that recurring billing goes far beyond simply charging certain amounts of money from customers at regular time intervals. Any recurring billing company wishing to select the most suitable billing system model to implement, must carefully analyze its particular needs and tasks the system is intended to fulfill. These needs can range from payment plan creation and cancellation to various kinds of payment plan...Read more…

Payment System Integration SummaryPayment system integration is a challenging, time-consuming and labor-intensive task. Any company that wants to integrate with a payment processor has to go through several important steps. Payment system integration is a process that requires much time, resources and efforts. Naturally, development resources for payment system integration must be allocated, but before the actual development can start, the integrator business must obtain a lot of information and resources from the...Read more…

Secure Payment SystemsIf your company stores customer payment information, you’re likely in the scope for required Payment Card Industry or PCI compliance. Correctly choosing among the available secure payment systems is essential to protecting your customer data, getting PCI compliant and doing business well, no matter how large your company grows.
You’ll need to answer questions like whether credit card information should be stored, how it should be stored and who bears the...Read more…

Introduction to Recurring BillingIn today’s merchant services industry more and more businesses are dealing with recurring billing. The concept of recurring billing goes far beyond charging a certain amount at fixed time intervals. Subscription-based businesses need to keep in mind multiple recurring billing-related issues and features. Such aspects as availability of various recurring billing features in payment systems, support for specific payment schedules and plans, different account balancing methodologies, as well as selection...Read more…

Payment gateway brandingNowadays merchant services branding is rapidly gaining relevance. More and more companies want to use Payment Pages and bill payment portals, and want the information displayed on those Payment Pages and portals to be branded.
As people and organizations adapt various types of payment processing solutions, they face the challenges emerging around branding and white-label options. The range of entities in need of branding solutions is very wide. Many merchant service...Read more…

Payment Solutions: Options to ConsiderThe overall scale of online payments is rapidly growing around the world. More and more companies that assist other businesses with processing of electronic payments are emerging.
More and more businesses are searching for optimal payment solutions to apply within the context of their particular needs. As the demand for these solutions increases, there are new options becoming available on the market. Presently they include payment gateways, payment connectors of different...Read more…

Credit card batch processing optimizationWhat are the options for a merchant when a batch of transactions gets declined? How can a business improve transaction approval rates? How can a merchant avoid unnecessary per-transaction processing costs? Why is it preferable to aggregate charges coming from the same merchant on a customer’s bank statement?
The article on credit card batch processing optimization provides answers to these (and other) questions. The article describes several approaches meant to boost transaction...Read more…